AAMCO Transmissions, vs Midas
AAMCO Transmissions, vs Midas: AAMCO Transmissions, costs $475K to $868K to open; Midas costs $141K to $1.3M. AAMCO Transmissions, has 462 units, Midas has 370. SBA loan history: AAMCO Transmissions, = 584 loans (19.9% default); Midas = 478 loans (8.4% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
AAMCO Transmissions, vs Midas: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Midas requires the lower minimum capital commitment ($141K vs $475K for AAMCO Transmissions,), a 237% spread. Initial franchise fees come in at $50K for AAMCO Transmissions, versus $50K for Midas. Ongoing royalty load is 6% for AAMCO Transmissions, and 5% for Midas, giving Midas the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, AAMCO Transmissions, operates 462 units to Midas's 370. Midas has been operating 70 years (founded 1956) versus 63 for AAMCO Transmissions, (founded 1963), a 7-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
AAMCO Transmissions, has the deeper SBA lending track record, with 584 7(a) approvals compared with 478 for Midas.
Risk Signal
SBA default rates are 19.9% for AAMCO Transmissions, and 8.4% for Midas, Midas has the cleaner SBA loss record by 11.5 points. PeerSense FPI scores come in at 48 (Fair) for AAMCO Transmissions, and 68 (Strong) for Midas, giving Midas the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 48/100 | 68/100 |
Health Tier | Fair | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 584 | 478 |
SBA Volume | – | – |
Default Rate | 19.9% | 8.4% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $475K to $868K | $141K to $1.3M |
Franchise Fee | $50K | $50K |
Royalty Rate | 6% | 5% |
Ad Fund | 1% | 1% |
Liquid Capital | N/A | $50K |
Net Worth Required | N/A | $250K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 462 | 370 |
Franchised Units | 462 | 370 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Which Is Better, AAMCO Transmissions, or Midas?
Lower upfront capital required
Midas
AAMCO Transmissions,: $475K starting · Midas: $141K starting
More SBA lender confidence
AAMCO Transmissions,
AAMCO Transmissions,: 584 SBA loans · Midas: 478 SBA loans
Lower SBA default rate
Midas
AAMCO Transmissions,: 19.9% · Midas: 8.4%
Larger system & brand presence
AAMCO Transmissions,
AAMCO Transmissions,: 462 units · Midas: 370 units
Lower ongoing royalty load
Midas
AAMCO Transmissions,: 6% · Midas: 5%
More lender financing options
AAMCO Transmissions,
AAMCO Transmissions,: 194 unique lenders · Midas: 166 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
AAMCO Transmissions, vs Midas: Franchise Funding Comparison
Comparing AAMCO Transmissions, and Midas is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $141K to $1.3M.
AAMCO Transmissions, has 584 SBA loans on record and Midas has 478. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
AAMCO Transmissions, vs Midas, Frequently Asked Questions
Which is a better franchise investment, AAMCO Transmissions, or Midas?
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Can I finance AAMCO Transmissions, or Midas with an SBA loan?
Which has a lower SBA default rate, AAMCO Transmissions, or Midas?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman